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  • Investing Guide | National Bank
    Banking 1859 Group Retirement Plans Group RRSP Deferred Profit Sharing Plan DPSP Simplified Pension Plan SPP Individual Pension Plan IPP Voluntary retirement savings plan VRSP Defined Contribution Registered Pension Plan RPP DC Trust Shareholders Agreement Financing Farm Transfer Estate Settlement Trustee Mandates Depository Mandates Securities Custody Securities Lending Financing Financing Solutions Short Term Financing Medium and Long Term Financing Loan Insurance Specialized Financing Health Care and Life Sciences Technology Group NPO Organizations Agri Business Financing Retail financing Credit Cards MasterCard Credit Cards for Businesses Promotions and News MasterCard Business Card Platinum MasterCard Business Card MasterCard Business Line MasterCard Corporate Card National Bank U S Dollar MasterCard Advice and Tools Powering your business Start your business My Business Model Business Financing Business development support Cash Flow Management Business Transfer Resources National Bank Business Central Solutions BusinessFlex Term Loan BusinessFlex Line of Credit International Foreign Exchange and Derivate Products Import Export Services Foreign Currency Accounts Export Financing Supply Chain Management Solution Funds Transfers Complementary Products and Services Agriculture services AgriInvest program Agricultural swap Producer Agricultural swap Buyer Fuel Swap About Us Our Organization The Bank Portrait of the Bank Network and Subsidiaries Complaint Settlement Accessibility Standards Suppliers Social Responsibility Our Social Commitment Diversity Youth Entrepreneurship Environment Arts and culture Employee Involvement Social Responsibility Report Request for Financial Support Governance Corporate Practices Corporate Governance Practices Board of Directors Board of Directors Independence Policy Committees of the Board Office of the President Patriot Act Certification Reporting Accounting Irregularities Codes and Commitments Investors Investor Relations Quarterly Results Annual Reports Proxy Circulars AIF Information for Shareholders Annual meeting Presentations and Events Contact Us Capital Debt Information News News Room Press Releases National Bank Media Centre Biographical Notes Publications Social Networks Contests The Winner Online Services Personal Business Direct Brokerage NB Financial Natbank Group Retirement Plans Securities Custody Login Interactive tools Webcasts on Personal Finance 7 golden rules for investors Diversify Your Investments Improve the Return on Your Investments Define Your Investment Strategy Reduce Your Investment Tax Obligations Put Your RRSP to Work Right Now Glossary CDIC Information The right savings and investment strategy Personal Investing Investment Solutions Useful Resources Interactive tools 7 golden rules for investors Print 7 golden rules for investors 1 Do not buy based on past returns buy investment products that meet your needs Past performances are not indicative of future returns Your choice should be based on your investor profile and the investment solutions that suit you best 2 Don t try to time your investment in the hope of outsmarting the market Experts agree that it is almost impossible to predict market movements Don t expose yourself to the risks of market timing It s better to begin investing as soon as possible so that your investment has time to grow It s not when you get into the market but how long you stay invested 3 Diversify your portfolio based on asset classes and geographic regions By investing in several asset classes cash and short term fixed income securities and

    Original URL path: https://info.commercial.bnc.ca/en/personal/investing/investment-solutions/useful-resources/interactive-tools/7-golden-rules-for-investors.html (2016-02-14)
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  • Personal Investing - Diversify Your Investments | National Bank
    Winner Online Services Personal Business Direct Brokerage NB Financial Natbank Group Retirement Plans Securities Custody Login Interactive tools Webcasts on Personal Finance 7 golden rules for investors Diversify Your Investments Improve the Return on Your Investments Define Your Investment Strategy Reduce Your Investment Tax Obligations Put Your RRSP to Work Right Now Glossary CDIC Information The right savings and investment strategy Personal Investing Investment Solutions Useful Resources Interactive tools Diversify Your Investments Print Diversify Your Investments Investment professionals agree that the best strategy for reducing risk and increasing your returns is to have a portfolio that holds a variety of investments An effective diversification strategy will employ the four elements listed below Vary Your Asset Classes Asset class diversity is a basic and important investment strategy by holding a variety of asset classes you reduce your dependence on a single market or financial product If the stock market experiences a slowdown for example a portfolio containing equities and bonds and money market instruments will not be hit as hard as a portfolio that consists entirely of equities Your portfolio should contain the main asset classes specifically cash assets fixed income investments and growth equities in proportion to your investor profile Click on your investor profile below to recap the main characteristics of your portfolio and optimum diversification by type of investment PDF documents Secure Conservative Moderate Balanced Growth Equity If you don t know your investor profile or if you think your profile may have changed redo the Personalized Investment Plan PIP Spread Your Investments Across Several Geographic Regions Foreign bond and stock markets aren t necessarily in sync with each other Canadian and North American markets may for example slow down while European Asian and other markets are in a growth phase Investing in different foreign markets may be an excellent way of diversifying your holdings and balancing your portfolio Two good reasons to have foreign content 1 Canada represents about 4 of the world s market capitalization The United States represents 30 of world market capitalization Europe Africa and Middle East 28 and the Asia Pacific region 32 If you invest exclusively in Canadian products you are depriving yourself of potential gains in those global markets Consider adding some foreign content to your portfolio Information as at October 2010 2 An internationally diversified portfolio presents lower risk and greater long term stability Would you go out right now and invest all your money in a single equity Of course not that would be too risky The same applies to putting all your money into Canadian investments By adding foreign content to your portfolio you diversify and you reduce risk Spread Your Investments Across Several Industries By selecting investments in different sectors you are diversifying and further optimizing your portfolio For example natural resources might be performing well during a particular period while the tech sector is performing poorly And then the tables could turn That is why it is important to diversify your portfolio across several industry sectors

    Original URL path: https://info.commercial.bnc.ca/en/personal/investing/investment-solutions/useful-resources/interactive-tools/diversify-your-investments.html (2016-02-14)
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  • Improve the Return on Your Investments | National Bank
    Business Client Card Human Resources Solutions Investing Investment Solutions Business investment account Short Term Investments Medium and Long Term Investments Fiera Capital Corporation National Bank Direct Brokerage Private Banking 1859 Group Retirement Plans Group RRSP Deferred Profit Sharing Plan DPSP Simplified Pension Plan SPP Individual Pension Plan IPP Voluntary retirement savings plan VRSP Defined Contribution Registered Pension Plan RPP DC Trust Shareholders Agreement Financing Farm Transfer Estate Settlement Trustee Mandates Depository Mandates Securities Custody Securities Lending Financing Financing Solutions Short Term Financing Medium and Long Term Financing Loan Insurance Specialized Financing Health Care and Life Sciences Technology Group NPO Organizations Agri Business Financing Retail financing Credit Cards MasterCard Credit Cards for Businesses Promotions and News MasterCard Business Card Platinum MasterCard Business Card MasterCard Business Line MasterCard Corporate Card National Bank U S Dollar MasterCard Advice and Tools Powering your business Start your business My Business Model Business Financing Business development support Cash Flow Management Business Transfer Resources National Bank Business Central Solutions BusinessFlex Term Loan BusinessFlex Line of Credit International Foreign Exchange and Derivate Products Import Export Services Foreign Currency Accounts Export Financing Supply Chain Management Solution Funds Transfers Complementary Products and Services Agriculture services AgriInvest program Agricultural swap Producer Agricultural swap Buyer Fuel Swap About Us Our Organization The Bank Portrait of the Bank Network and Subsidiaries Complaint Settlement Accessibility Standards Suppliers Social Responsibility Our Social Commitment Diversity Youth Entrepreneurship Environment Arts and culture Employee Involvement Social Responsibility Report Request for Financial Support Governance Corporate Practices Corporate Governance Practices Board of Directors Board of Directors Independence Policy Committees of the Board Office of the President Patriot Act Certification Reporting Accounting Irregularities Codes and Commitments Investors Investor Relations Quarterly Results Annual Reports Proxy Circulars AIF Information for Shareholders Annual meeting Presentations and Events Contact Us Capital Debt Information News News Room Press Releases National Bank Media Centre Biographical Notes Publications Social Networks Contests The Winner Online Services Personal Business Direct Brokerage NB Financial Natbank Group Retirement Plans Securities Custody Login Interactive tools Webcasts on Personal Finance 7 golden rules for investors Diversify Your Investments Improve the Return on Your Investments Define Your Investment Strategy Reduce Your Investment Tax Obligations Put Your RRSP to Work Right Now Glossary CDIC Information The right savings and investment strategy Personal Investing Investment Solutions Useful Resources Interactive tools Improve the Return on Your Investments Print Improve the Return on Your Investments Typically the potential return on an investment increases with the level of risk associated with that investment So to increase potential return you have to assume a higher risk Ideally your objective should be to maintain the right balance between risk and return To achieve this you need the right combination of cash assets fixed income investments and equities Cash Assets Cash assets are easily converted into money that can be used in an emergency or to take advantage of another investment opportunity And that s a good thing But it s important to remember that too much cash limits the potential return on

    Original URL path: https://info.commercial.bnc.ca/en/personal/investing/investment-solutions/useful-resources/interactive-tools/improve-the-return-on-your-investments.html (2016-02-14)
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  • Define Your Investment Strategy | National Bank
    Investments Medium and Long Term Investments Fiera Capital Corporation National Bank Direct Brokerage Private Banking 1859 Group Retirement Plans Group RRSP Deferred Profit Sharing Plan DPSP Simplified Pension Plan SPP Individual Pension Plan IPP Voluntary retirement savings plan VRSP Defined Contribution Registered Pension Plan RPP DC Trust Shareholders Agreement Financing Farm Transfer Estate Settlement Trustee Mandates Depository Mandates Securities Custody Securities Lending Financing Financing Solutions Short Term Financing Medium and Long Term Financing Loan Insurance Specialized Financing Health Care and Life Sciences Technology Group NPO Organizations Agri Business Financing Retail financing Credit Cards MasterCard Credit Cards for Businesses Promotions and News MasterCard Business Card Platinum MasterCard Business Card MasterCard Business Line MasterCard Corporate Card National Bank U S Dollar MasterCard Advice and Tools Powering your business Start your business My Business Model Business Financing Business development support Cash Flow Management Business Transfer Resources National Bank Business Central Solutions BusinessFlex Term Loan BusinessFlex Line of Credit International Foreign Exchange and Derivate Products Import Export Services Foreign Currency Accounts Export Financing Supply Chain Management Solution Funds Transfers Complementary Products and Services Agriculture services AgriInvest program Agricultural swap Producer Agricultural swap Buyer Fuel Swap About Us Our Organization The Bank Portrait of the Bank Network and Subsidiaries Complaint Settlement Accessibility Standards Suppliers Social Responsibility Our Social Commitment Diversity Youth Entrepreneurship Environment Arts and culture Employee Involvement Social Responsibility Report Request for Financial Support Governance Corporate Practices Corporate Governance Practices Board of Directors Board of Directors Independence Policy Committees of the Board Office of the President Patriot Act Certification Reporting Accounting Irregularities Codes and Commitments Investors Investor Relations Quarterly Results Annual Reports Proxy Circulars AIF Information for Shareholders Annual meeting Presentations and Events Contact Us Capital Debt Information News News Room Press Releases National Bank Media Centre Biographical Notes Publications Social Networks Contests The

    Original URL path: https://info.commercial.bnc.ca/en/personal/investing/investment-solutions/useful-resources/interactive-tools/define-your-investment-strategy.html (2016-02-14)
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  • Reduce Your Investment Tax Obligations | National Bank
    Producer Agricultural swap Buyer Fuel Swap About Us Our Organization The Bank Portrait of the Bank Network and Subsidiaries Complaint Settlement Accessibility Standards Suppliers Social Responsibility Our Social Commitment Diversity Youth Entrepreneurship Environment Arts and culture Employee Involvement Social Responsibility Report Request for Financial Support Governance Corporate Practices Corporate Governance Practices Board of Directors Board of Directors Independence Policy Committees of the Board Office of the President Patriot Act Certification Reporting Accounting Irregularities Codes and Commitments Investors Investor Relations Quarterly Results Annual Reports Proxy Circulars AIF Information for Shareholders Annual meeting Presentations and Events Contact Us Capital Debt Information News News Room Press Releases National Bank Media Centre Biographical Notes Publications Social Networks Contests The Winner Online Services Personal Business Direct Brokerage NB Financial Natbank Group Retirement Plans Securities Custody Login Interactive tools Webcasts on Personal Finance 7 golden rules for investors Diversify Your Investments Improve the Return on Your Investments Define Your Investment Strategy Reduce Your Investment Tax Obligations Put Your RRSP to Work Right Now Glossary CDIC Information The right savings and investment strategy Personal Investing Investment Solutions Useful Resources Interactive tools Reduce Your Investment Tax Obligations Print Reduce Your Investment Tax Obligations Discover different ways of reducing the taxes you pay on your investments Contribute to Your RRSP By contributing to an RRSP you reduce your taxable income and decrease the amount of tax you have to pay today The funds in your RRSP remain tax sheltered until your retirement When you need that money in retirement you re likely to be in a lower tax bracket and that money will consequently be taxed at a lower rate Contribute to Your TFSA By opting for the Tax Free Savings Account TFSA the investment income you earn in your TFSA is not taxable even when you make withdrawals The TFSA helps you meet your savings needs throughout your life since you can withdraw funds from your TFSA at any time for any purpose Also if you do not make the maximum annual contribution your unused contribution room is carried forward to subsequent years Put Heavily Taxed Investment Into Your RRSP or Your TFSA If your retirement portfolio includes a non registered account as well as a registered account RRSP or TFSA make sure the most heavily taxed investments are held in your RRSP or TFSA Typically the most heavily taxed investments are interest generating assets such as guaranteed investment certificates strip coupons bonds and bond funds Any income generated inside your RRSP remains tax sheltered until retirement Even though tax considerations are an important part of your investment strategy make sure that strategy takes your investor profile into account Split Income With Your Spouse Plan ahead and take advantage of income splitting a strategy that will provide you and your spouse with a more favourable tax treatment during retirement Income splitting is advantageous because two moderate incomes are taxed less than a higher income that is equivalent to the sum of the two smaller ones And if your

    Original URL path: https://info.commercial.bnc.ca/en/personal/investing/investment-solutions/useful-resources/interactive-tools/reduce-your-investment-tax-obligations.html (2016-02-14)
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  • Glossary (Banking and Investment Jargon) | National Bank
    Engineering Business Professionals and Students Insurance Business Banking Business Accounts and Packages Offer for new business clients Opening a Business Account Business Current Account Packages for Businesses Financial Packages for Professionals Business Banking Management Electronic Solutions Payroll Solutions Telephone Banking Solutions Cash Management Night Depository Smart Business Client Card Human Resources Solutions Investing Investment Solutions Business investment account Short Term Investments Medium and Long Term Investments Fiera Capital Corporation National Bank Direct Brokerage Private Banking 1859 Group Retirement Plans Group RRSP Deferred Profit Sharing Plan DPSP Simplified Pension Plan SPP Individual Pension Plan IPP Voluntary retirement savings plan VRSP Defined Contribution Registered Pension Plan RPP DC Trust Shareholders Agreement Financing Farm Transfer Estate Settlement Trustee Mandates Depository Mandates Securities Custody Securities Lending Financing Financing Solutions Short Term Financing Medium and Long Term Financing Loan Insurance Specialized Financing Health Care and Life Sciences Technology Group NPO Organizations Agri Business Financing Retail financing Credit Cards MasterCard Credit Cards for Businesses Promotions and News MasterCard Business Card Platinum MasterCard Business Card MasterCard Business Line MasterCard Corporate Card National Bank U S Dollar MasterCard Advice and Tools Powering your business Start your business My Business Model Business Financing Business development support Cash Flow Management Business Transfer Resources National Bank Business Central Solutions BusinessFlex Term Loan BusinessFlex Line of Credit International Foreign Exchange and Derivate Products Import Export Services Foreign Currency Accounts Export Financing Supply Chain Management Solution Funds Transfers Complementary Products and Services Agriculture services AgriInvest program Agricultural swap Producer Agricultural swap Buyer Fuel Swap About Us Our Organization The Bank Portrait of the Bank Network and Subsidiaries Complaint Settlement Accessibility Standards Suppliers Social Responsibility Our Social Commitment Diversity Youth Entrepreneurship Environment Arts and culture Employee Involvement Social Responsibility Report Request for Financial Support Governance Corporate Practices Corporate Governance Practices Board of Directors Board

    Original URL path: https://info.commercial.bnc.ca/en/personal/investing/investment-solutions/useful-resources/interactive-tools/glossary.html (2016-02-14)
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  • CDIC Information | National Bank
    Solutions Telephone Banking Solutions Cash Management Night Depository Smart Business Client Card Human Resources Solutions Investing Investment Solutions Business investment account Short Term Investments Medium and Long Term Investments Fiera Capital Corporation National Bank Direct Brokerage Private Banking 1859 Group Retirement Plans Group RRSP Deferred Profit Sharing Plan DPSP Simplified Pension Plan SPP Individual Pension Plan IPP Voluntary retirement savings plan VRSP Defined Contribution Registered Pension Plan RPP DC Trust Shareholders Agreement Financing Farm Transfer Estate Settlement Trustee Mandates Depository Mandates Securities Custody Securities Lending Financing Financing Solutions Short Term Financing Medium and Long Term Financing Loan Insurance Specialized Financing Health Care and Life Sciences Technology Group NPO Organizations Agri Business Financing Retail financing Credit Cards MasterCard Credit Cards for Businesses Promotions and News MasterCard Business Card Platinum MasterCard Business Card MasterCard Business Line MasterCard Corporate Card National Bank U S Dollar MasterCard Advice and Tools Powering your business Start your business My Business Model Business Financing Business development support Cash Flow Management Business Transfer Resources National Bank Business Central Solutions BusinessFlex Term Loan BusinessFlex Line of Credit International Foreign Exchange and Derivate Products Import Export Services Foreign Currency Accounts Export Financing Supply Chain Management Solution Funds Transfers Complementary Products and Services Agriculture services AgriInvest program Agricultural swap Producer Agricultural swap Buyer Fuel Swap About Us Our Organization The Bank Portrait of the Bank Network and Subsidiaries Complaint Settlement Accessibility Standards Suppliers Social Responsibility Our Social Commitment Diversity Youth Entrepreneurship Environment Arts and culture Employee Involvement Social Responsibility Report Request for Financial Support Governance Corporate Practices Corporate Governance Practices Board of Directors Board of Directors Independence Policy Committees of the Board Office of the President Patriot Act Certification Reporting Accounting Irregularities Codes and Commitments Investors Investor Relations Quarterly Results Annual Reports Proxy Circulars AIF Information for Shareholders Annual meeting Presentations

    Original URL path: https://info.commercial.bnc.ca/en/personal/investing/investment-solutions/useful-resources/interactive-tools/cdic-information.html (2016-02-14)
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  • Open an RESP account | National Bank
    found on Service Canada website 3 ways to open an RESP National Bank Investments At the branch Make an appointment with an advisor at a branch Find your branch Over the phone Call National Bank Investments Advisory Service 514 871

    Original URL path: https://info.commercial.bnc.ca/en/personal/investing/investment-solutions/registered-education-savings-plan-resp/open-resp-account.html (2016-02-14)
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